Johnsonburg, PA · Charter 13469
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.56% | 0.08% | 0.22% | 0.27% | 0.23% | 0.51% | 0.28% | +6 bps | |
| Return on Equity | 5.75% | 4.80% | 0.76% | 1.88% | 2.39% | 2.04% | 4.66% | 2.71% | +83 bps | |
| Net Interest Margin | 3.83% | 3.89% | 3.43% | 3.61% | 3.62% | 3.60% | 3.31% | 3.02% | -59 bps | |
| Efficiency Ratio | 73.24% | 75.41% | 83.68% | 80.44% | 79.22% | 80.49% | 75.68% | 81.44% | +100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.23% | 8.82% | 12.68% | 6.47% | 4.01% | 5.99% | 5.10% | 14.83% | +836 bps | |
| Loan Growth (YoY) | -1.77% | -0.85% | -6.13% | -4.96% | -8.50% | -6.60% | -2.34% | -2.42% | +254 bps | |
| Share Growth (YoY) | 13.03% | 8.92% | 13.84% | 6.90% | 3.91% | 6.60% | 5.42% | 16.23% | +932 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.87% | 2.18% | 1.55% | 2.37% | 2.08% | 2.67% | 0.74% | 2.90% | +54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.59% | 11.71% | 11.11% | 11.54% | 11.41% | 11.28% | 10.90% | 10.30% | -124 bps | |
| Net Worth / Assets | 11.59% | 11.71% | 11.11% | 11.54% | 11.41% | 11.28% | 10.90% | 10.30% | -124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.35% | 51.53% | 44.44% | 47.12% | 45.22% | 45.15% | 41.16% | 39.56% | -756 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |